Rossendales

[valeriej43]

I have had 2 letters from Rossendales, regarding a debt from 2005, the debt was passed to Aktiv Capital, then to Arrow Global, now passed from them to Rossendales
Both letters giving me 7 days to reply, which i haven;t , the first to contact them immediately,and pay the full amount in 7 days recovery action will commence
The second letter says action may may be taken against you
"You should be in no doubt that payment of which you owe will be pursued and the company will utiliseits expertise in the management od data
If we do not hear from you within 7 days collection procedures will continue"
There is no chance i can pay this as my circumstances are not good, and the amount is far above what i originally owed
Before any baliff action can be taken ,it would have to go to court first wouldnt it?
There are 2 dates of default, june 2008, then 2012 when credit rating updated,
On the chart on credit report there is nothing on it until 2012, when it says D for default

[Curlyben]

Re: Rossendales

I love when this type of letter arrives as it's utter Bovine Excrement.
Clearly they are seriously trying it on and have no hope of recovery.
That fact it has been passed through so many other DCA's should give them that idea.

As a Letter Before Action it is seriously flawed and nothing but a mere templated Threat-O-Gram and should be ignored.

So the debt in question, do they actually identify what it relates to, and if it is from 2005, when was the last payment ??
Oh yea the old "we'll send the boyos round" I see.
Well without a court order they can whistle Dixie

[bluebottle]

Re: Rossendales

Please be aware that Rossendales are debt collectors as well as certificated bailiffs. They are also holders of an OFT Category F Debt Collection Licence. As a holder of a Category F Licence, Rossendales are required to comply with OFT Debt Collection Guidelines as a condition of licence.

At the moment, Rossendales can only act as debt collectors. Aktiv Kapital will require a County Court Judgement (CCJ) in order to send in bailiffs. If they attempted bailiff action without a CCJ, they would be breaking the law and so would Rossendales.

It is a condition of an OFT Debt Collection Licence that a licence-holder does not -

• Attempt to make a debtor pay more than they can afford;
• Behave in an oppressive manner towards a debtor;
• Harass a debtor.

plus a whole battery of other requirements and restrictions. A licence-holder who does not comply risks having requirements attached to their licence, or its renewal refused or the OFT can revoke the licence.

I am attaching a copy of the OFT Debt Collection Guidelines to this post. You should read through them and see if Rossendales and Aktiv Kapital are in breach of them. If so, make a note of which conditions and then come back onto this thread. We we can see if you require any further help.

[valeriej43]

Re: Rossendales

Thank you both, that is what i thought, why has it gone from 1 debt collector to another asnd another, i will read the link,and thanks again